Amana® credit card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: amana-heating-air-conditioning-credit-card

Issuer: Synchrony

Card Name: Amana® credit card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 06:44

Last Scraped: Feb 16, 2026 06:46

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides SCRA benefits, including an interest rate reduction to 6% on eligible accounts opened prior to active duty for servicemembers and their dependents.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Account Management 1
Online Account Management

Easy and convenient online access to manage your credit card account, view statements, and make payments.

Financing 4
Special Financing Options
Varies by offer

Access to special financing options for Amana® brand purchases, available with approved credit.

Convenient Monthly Payments

Ability to make convenient monthly payments for Amana® brand purchases.

Revolving Line of Credit
Varies by credit limit

A revolving line of credit specifically for Amana® brand purchases, allowing for repeated use up to the credit limit.

Access to Special Promotional Offers
Varies by offer

Cardholders may receive special promotional offers on Amana® brand purchases, such as deferred interest or reduced APR periods, where available.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 60 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Amana Heating & Air Conditioning credit card, issued by Synchrony, primarily offers special promotional financing options for qualified purchases made at participating Amana dealers. Typical offers include deferred interest (0% APR) for a specified period (e.g., 6, 12, 18, 24, 36, 48, or 60 months) on purchases meeting a minimum spend threshold (e.g., $299, $500, $1000+). If the promotional balance is not paid in full by the end of the promotional period, interest is charged from the purchase date from the purchase date. Eligibility requirements for application include being a U.S. resident, 18 years or older (19 in AL/NE), having a valid Social Security Number or ITIN, and meeting Synchrony's creditworthiness criteria. This card does not typically offer traditional sign-up bonuses like cash back or points for initial spend.

Max Cards Per Issuer: 7

Min Spend Interval: Varies by promotional offer, typically 6 to 60 months for deferred interest.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, rapid application for numerous Synchrony cards, excessive credit limit increase requests, suspicious spending patterns inconsistent with HVAC purchases, defaulting on other Synchrony accounts, or any activity deemed fraudulent or high-risk by Synchrony.

Cliff Effect Rules: Synchrony store cards generally operate independently. There are no significant 'cliff effect' rules or card family restrictions that impact eligibility or benefits across different Synchrony-issued store cards.

Special Events: Promotional financing offers are frequently tied to seasonal HVAC needs (e.g., spring AC tune-ups, fall furnace replacements), specific Amana product launches, or dealer-specific sales events. These often feature extended deferred interest periods or lower minimum spend requirements for promotional financing.

Holiday Promos: While less common for HVAC-specific cards, Synchrony may offer general promotional financing periods around major retail holidays such as Black Friday, Cyber Monday, or end-of-year sales, which could be applicable at participating Amana dealers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.1 / 5.0

Top Positive:
Offers convenient promotional financing for large HVAC purchases, helping manage costs over time. Application process is generally straightforward.

Top Negative:
High interest rates apply if promotional terms are not met. Customer service can be inconsistent, and resolving billing issues may be challenging.

Approval Experience: 72.5 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Discover it Cash Back
  • Lowe's Advantage Card

Card Value Score: 78.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: SYF-AMANA-AGR-01-2023